 Jill, come down here. We got to take the Roth conversion challenge and see how much of your 401 IRA dollars we can pull out and put in a Roth and pay taxes now so you'll never pay taxes in the future. And if it's a good idea, at least put it in writing and let you make the decision because after all, it's your money. You make the decision on whether or not we should do it, but let's at least put it in writing and put it on pay-per-view.